Ezweni lezezimali kukhona amathuluzi ahlukene avumela ukujikeleza kwemali phakathi kwabantu nezinkampani. Ezimbili zazo ziyi-bill of exchange kanye ne-promissory note, okuthi nakuba zingabonakala zifana, zibe nomehluko obalulekile. Kulesi sihloko sizochaza umehluko phakathi kwe-bill of exchange kanye ne-promissory note.
Iyini ibhili yokushintshisana?
I-bill of exchange idokhumenti yezohwebo lapho umuntu oyedwa (obizwa ngokuthi i-drawer) ayala omunye (obizwa ngokuthi umdwebi) ukuthi akhokhe inani elithile lemali kumuntu wesithathu (obizwa ngokuthi okhokhelwayo noma ozuzayo), ngosuku oluthile. Umthethosivivinywa wokushintshana uwuhlobo lwekhredithi yedokhumentari esetshenziswa kakhulu ekuhwebeni kwamazwe ngamazwe.
Liyini inothi lesithembiso?
I-promissory note idokhumenti yezohwebo lapho umuntu (obizwa ngobhalisile) ezibophezela ukukhokha inani elithile lemali komunye umuntu (obizwa ngokuthi umnikazi), ngosuku oluthile noma ngokufunwa. Ngokungafani nomthethosivivinywa wokushintshisana, inothi lesithembiso alidingi ozozuza wesithathu.
Umehluko phakathi kwe-bill of exchange kanye ne-promissory note
Ngezansi, sichaza umehluko omkhulu phakathi kwe-bill of exchange kanye ne-promissory note:
- Abathintekayo: Izinhlangothi ezintathu ziyangenelela kumthethosivivinywa wokushintshana: idrowa, oqokiwe kanye nokhokhelwayo. Amaqembu amabili ayangenelela ku-promissory note: obhalisile kanye nomnikazi.
- Inhloso: Umthethosivivinywa wokushintshana usetshenziswa kakhulu ekuhwebeni kwamazwe ngamazwe njengendlela yekhredithi yamadokhumentari. I-promissory note isetshenziswa ngokuyinhloko ukuthola imali mboleko noma uxhaso.
- Isibopho sokukhokha: Ebhilidini yokushintshisana, odonswayo unesibopho sokukhokhela okhokhelwayo ngosuku olumisiwe. Encwadini yesithembiso, obhalisile unesibopho sokukhokhela umnikazi ngosuku olushiwo noma ngokufunwa.
- Isiqinisekiso: Kubhili yokushintshisana, oqokiwe angase adinge isiqinisekiso esivela ekhabetheni ukuze enze inkokhelo isebenze. Encwadini yesithembiso, umnikazi unesihloko esisebenzisekayo esimvumela ukuthi afune inkokhelo ngaphandle kwesidingo sesibambiso esengeziwe.
- Ukuvumela: Umthethosivivinywa wokushintshana ungagunyazwa kwabanye abantu, uvumele ukusakazwa kwawo njengendlela yokukhokha. Inothi lesithembiso nalo lingagunyazwa, kodwa njengoba lingenaye umuntu wesithathu ozuzayo, ukusakazwa kwalo kukhawulelwe kakhulu.
Iziphetho
Kafushane, i-bill of exchange kanye ne-promissory note yimibhalo emibili yezohwebo evumela ukukhokhwa kwemali ethile ngosuku oluthile. Kodwa-ke, banomehluko obalulekile ngokuya ngezinhlangothi ezithintekayo, inhloso, isibopho sokukhokha, isiqinisekiso kanye nokugunyazwa.
Kubalulekile ukwazi lo mehluko ukwazi ukuthi iyiphi kulezi zinsimbi ezimbili ezifanele kakhulu esimweni ngasinye. Kunoma yikuphi, kokubili i-bill of exchange kanye ne-promissory note kungamathuluzi awusizo wokugeleza kwemali ezweni lebhizinisi nelezezimali.
INDLELA YOKUQOQA I-bill of exchange? KULULA Kakhulu?
Imibuzo Evame Ukubuzwa
Kulesi sigaba, sizophendula imibuzo evame ukubuzwa ehlobene nomehluko phakathi kwebhili yokushintshisana kanye nenothi lesithembiso.
1. Iyini i-bill of exchange?
I-bill of exchange idokhumenti yezohwebo emelela isithembiso senkokhelo lapho umuntu obizwa ngokuthi "umdwebi" ayala omunye umuntu obizwa ngokuthi "i-drawee" ukuthi akhokhe inani elithile lemali kumuntu wesithathu obizwa ngokuthi "umzuzi" entweni ethile. usuku. Umthethosivivinywa wokushintshisana ungagunyazwa umzuzi komunye umuntu, okusho ukuthi lowo muntu angakwazi ukuqoqa imali egameni lakhe.
2. Iyini incwadi yesithembiso?
I-promissory note idokhumenti lapho umuntu obizwa ngokuthi "obhalisile" evuma ukukhokha inani elithile lemali komunye umuntu obizwa ngokuthi "umnikazi" ngosuku oluthile noma ngesikhathi sokwethulwa. Ngokungafani nomthethosivivinywa wokushintshisana, inothi lesithembiso alidingi ukungenelela komuntu wesithathu, njengalowo odonswayo kumthethosivivinywa wokushintshisana.
3. Uyini umehluko omkhulu phakathi kwe-bill of exchange kanye ne-promissory note?
Umehluko omkhulu phakathi kwe-bill of exchange kanye ne-promissory note ukuthi i-bill of exchange idinga ukungenelela kwenkampani yangaphandle, kuyilapho inothi lesithembiso lingafuni. Kumthethosivivinywa wokushintshisana, oqokiwe unesibopho sokukhokha, kuyilapho encwadini yesithembiso, umenzi nguye yedwa onesibopho sokwenza kanjalo.
4. Yiziphi izinhlobo zezikweletu zokuhwebelana ezikhona?
Kunezinhlobo ezimbili zezikweletu zokushintshisana: umthethosivivinywa ojwayelekile wokushintshisana kanye nebhili yokushintshisana eyamukelwe. Ebhilidini evamile yokushintshisana, odwetshiwe uyavuma ukukhokha inani elishiwo ngosuku olunqunyiwe. Ebhilidini yokushintshisana eyamukelwe, odwetshiwe uye wavuma ngaphambilini ukukhokha inani elishiwo ngosuku oluthile.
5. Yiziphi izinzuzo zokusebenzisa i-bill of exchange kanye ne-promissory note?
Ukusetshenziswa kwezikweletu zokushintshanisa kanye namanothi esithembiso kunezinzuzo ezimbalwa, okuhlanganisa: ziyimibhalo esemthethweni eqinisekisa ukukhokhwa kwesikweletu, kulula ukudlulisa ngokugunyaza, avumela imigomo nemibandela yokukhokha ukuba isungulwe, futhi yamukelwa kabanzi. ekuhwebeni kwamazwe ngamazwe.
Ukuvala
Sengiphetha, nakuba umthethosivivinywa wokushintshanisa kanye nencwadi yesithembiso inokufana ngokomsebenzi wawo njengamadokhumenti ezentengiselwano aqinisekisa ukukhokhwa kwesikweletu, kunomehluko omkhulu mayelana nesakhiwo sawo kanye nendlela yokusetshenziswa. Kubalulekile ukwazi lo mehluko ukuze ukhethe idokhumenti efanele yebhizinisi ngalinye.
Ngaso sonke isikhathi khumbula ukulandela imithetho esebenzayo neziqondiso lapho usebenzisa lawa madokhumenti. Uma unemibuzo noma okukukhathazayo, ungangabazi ukubonisana nochwepheshe kulo mkhakha.
Yabelana futhi ubeke amazwana
Sithemba ukuthi lesi sihloko sibe usizo kuwe! Uma ukuthandile, yabelana ezinkundleni zokuxhumana ukuze abantu abaningi bafunde ngomehluko phakathi kwebhili yokushintshisana kanye nenothi lesithembiso! Singathanda futhi ukwazi umbono wakho, usishiye amazwana futhi uma unemibuzo, ungangabazi ukusithinta.
